Lion of Africa Life Assurance Company Ltd has its roots from the African People’s Organisation Burial Society Proprietary Ltd (“APO”), founded in 1902 with the aim of promoting the political and economic interests of the marginalised community. In June 1944 the APO was registered as an insurer, conducting assistance business. In 2002 Commlife Holdings Proprietary Limited (“Commlife”), an investment holding company, acquired APO and changed its name to Lion of Africa Life Assurance Company Ltd. In 2005 Lion of Africa Life Assurance Company Ltd was licensed by the Financial Services Board in terms of the Long-Term Insurance Act (no 52 of 1998).

Over the past 10 years Lion of Africa Life Assurance Company Ltd has evolved from an assistance business insurer to a diversified financial service provider. From a financial perspective Lion of Africa Life Assurance Company Ltd has grown from strength to strength; we have seen our total assets grow by more than 250% and our premium income increase by over 2 000%.

Lion of Africa Life Assurance Company Ltd is a proud company with strong guiding principles and a core value of always having a client centric focus. We strive to provide our clients with products that fit their specific needs, service and advice that consider their specific circumstances and fairness throughout the time we call them our clients.

By taking this policy you have become our client; a building block in the future of Lion of Africa Life Assurance Company Ltd. Thank you.

Lion of Africa Life Assurance Company Ltd

This document, the application form, the policy summary that will be posted to the policyholder and all information received in support of the application constitutes the full policy. This will only become a valid policy of insurance once Lion of Africa Life Assurance Company Ltd accepts the application and the first premium has been received.

Contract

Your policy is a contract with Lion of Africa Life Assurance Company Ltd, and the complete and only record of that contract.  If anything in your application form or these policy provisions differs from your policy summary, the policy summary will apply.

Insurable Interest

You can take out insurance on your own life.  You can also take out insurance on the lives of others, but you can do that only if you have an interest in the other person that our law recognises as worthy of insurance protection, referred to insurable interest.  You have such an interest in, for example, your spouse, children, parents, parents-in-law and other family members.  Your claim can be declined if, when you claim, you cannot prove that you had the required interest and suffered a subsequent loss.

Permanent Employment

At Date of Acceptance the policyholder must be permanently employed in order to qualify for this policy.

Who are the different role players who form part of your policy?

• Lion of Africa Life Assurance Company Ltd is the Insurer.
• The Policyholder is the owner of the policy who holds and exercises the rights in the policy. The policyholder must be 18 years or older.
• The Premium Payer is the person responsible for paying the premiums of the policy. The policyholder must also be the premium payer.
• The Life Assured is the person on whose life the policyholder takes out insurance.
• The Beneficiary is the person nominated by the policyholder to receive the policy benefits after the death of a life assured. The policyholder may select a maximum of four beneficiaries and indicate the percentage split of the benefit.

South African Citizenship

The policyholder, lives assured and beneficiaries must all be South African citizens.

Entry age

All references to age will be the life assureds’ Age Last Birthday.  Your age at entry will be your Age Last Birthday on Date of Commencement.

Important Dates

• The Acceptance Date is the date on which the policy application is accepted by Lion of Africa Life Assurance Company Ltd.
• The First Deduction Date is the date on which Lion of Africa Life Assurance Company Ltd will deduct and receive the first premium on your policy.
• The Commencement Date is on the first day of the month in which Lion of Africa Life Assurance Company Ltd receives the first monthly premium.
• The Re-instatement Date means the date on which a policy is re-instated after it has lapsed.

Can the Commencement Date change?

Lion of Africa Life Assurance Company Ltd reserves the right to move the Commencement Date to the same date of the following month should your premium not be paid on the original First Deduction Date.  Lion of Africa Life Assurance Company Ltd will move the Commencement Date a maximum of 2 (two) times, after which, if the first premium is still not paid, the policy will be deemed as “not taken up” and you will not be entitled to any benefits from this policy.

Can changes be made to the policy?

The policyholder can make changes to the policy. The application for changes must be done in writing on an application which Lion of Africa Life Assurance Company Ltd will provide.  If Lion of Africa Life Assurance Company Ltd approves the changes, they will apply from the beginning of the month following the month in which it is approved.

What is defined as death due to an accident?

It means an unexpected death caused only by unnatural, external, accidental, violent and visible means.

Do you have to select cover for yourself in order to cover other family members on this policy?

You do not have to cover yourself in order to cover your immediate and/or extended family members.

Who is defined as a Spouse?

The person to whom the policyholder is married, and which marriage is accepted under the law of South Africa – including civil, customary or same-sex marriages, or with whom the policyholder lives in a relationship similar to a marriage, which relationship is intended to be permanent like a marriage and has existed for at least 2 (two) years.

A maximum of 1 (one) spouse may be nominated under Immediate Family.  The remaining spouse(s) can be nominated as an Extended Family member.

Who are Immediate Family members?

It is the policyholder’s spouse and the policyholder’s unmarried children, including legally adopted- and stepchildren under the age of 21 (or 26, if he/she is a full-time student).

Children’s cover stops on the last day of the month in which the child turns 21 years old (or 26 years old, if he/she is a full-time student).  Once the child, turns 21 years old or 26 years old (if he/she is a full-time student), the child can be added as an Extended Family member.  This can be done within 30 days of the child’s 21^st birthday (or 26^th birthday, if he/she is a full-time student).  The child will be covered for up to 30 days after his/her 21^st (or 26^th birthday, if he/she is a full-time student).  A new waiting period will apply if the child is not nominated as an Extended Family member within 30 (thirty) days.  Physically and mentally disabled children will be covered indefinitely.  When children turn 21 years old (or 26 years old, if he/she is a full-time student) and are no longer covered, the premium will be reduced accordingly.

Who are Extended Family members under this policy?

Extended Family members refer to the policyholder’s parents, parents-in-law and relatives.

Can a newborn child be added to your policy?

A child born after the Date of Acceptance of the policy must be nominated in writing within 6 (six) months of the date of birth.  If not nominated within 6 (six) months from date of birth, a 6 (six) month waiting period will apply.

Waiting period

Means the period(s) within which Lion of Africa Life Assurance Company Ltd will not pay a claim which arises from death due to natural causes or suicide.  Waiting periods will start from Acceptance Date or Re-instatement Date (if applicable).  When a new life assured is added to the policy, all waiting periods will apply to the new life assured.

What is the maximum benefit amount per life assured?

Lion of Africa Life Assurance Company Ltd imposes a maximum assured limit per life assured on their policies, where the maximum claim amount, excluding annual benefit escalations, is R100 000 (one hundred thousand rand).

When will benefits be paid under this policy?

You will only qualify for benefits from the Date of Acceptance.  Claims are paid within 48 (forty eight) hours, excluding Saturdays, Sundays and public holidays, after Lion of Africa Life Assurance Company Ltd received all required information and documentation for a valid claim.

Benefits will only be paid if the assured event occurs for lives assured listed in the policy schedule, if the policy is active and the correct premium is being paid and received by Lion of Africa Life Assurance Company Ltd.  The benefit amounts are shown on the policy schedule.

Is there a benefit for stillborn children?

If the policyholder or the policyholder’s spouse, provided that she is a life assured under the policy, becomes pregnant, she automatically qualifies for cover of R1 250 for a stillborn child.  This amount is payable once during the lifetime of the policy and will only be paid if the pregnancy lasted 26 weeks or more.

Does your policy have a cash value?

The policy is a whole of life risk policy only.  No part of the policy makes provision for investment.  The policy does not have a cash value and no loan can be made against the policy.

Is a life assured covered outside the borders of South Africa?

The life assured has to inform Lion of Africa Life Assurance Company Ltd if he/she leaves the borders of South Africa for a period of more than 6 (six) months or permanently.  In this event the life assureds’ benefits will automatically terminate after 6 (six) months out of the country.

If the life assured does not inform Lion of Africa Life Assurance Company Ltd of the change, benefits will only be paid at the discretion of Lion of Africa Life Assurance Company Ltd should the risk regarding the life assured not have increased materially.

When does the policy come to an end?

The policyholder can give written notice of cancellation.  If a cancellation notice reaches Lion of Africa Life Assurance Company Ltd within 30 (thirty) days after the policyholder received the policy summary, the policy will be cancelled and we will refund any premiums that have been collected to the premium payer less the amount charged for any cover enjoyed and expenses incurred during that time. This is known as a cooling-off cancellation period.

If a cancellation notice reaches Lion of Africa Life Assurance Company Ltd after the 30 (thirty) days, the policy will end at the end of the month in which it is received and the policyholder will be bound by the terms and conditions of the policy.

The policy will come to an end when the insured event occurs and Lion of Africa Life Assurance Company Ltd has fulfilled all contractual duties under the terms and conditions of the policy.

The policy will lapse when 3 (three) consecutive premiums have not been collected successfully, or if 6 (six) premiums have not been collected successfully during the lifetime of the policy.

Can a policy be re-instated?

If the policyholder cancels a policy, or if it has ended because premiums were not paid, the policyholder may, within 90 (ninety) days, apply for it to be reinstated, subject to payment of all outstanding premiums and any policy provisions which Lion of Africa Life Assurance Company Ltd may require.

Continuation of cover

On the death of the policyholder, the policy can continue as long as there is one or more lives assured on the policy.  Any life assured or beneficiary from the age of 18 (eighteen) can become the new policyholder and premium payer.  The new policyholder has to notify Lion of Africa Life Assurance Company Ltd within a period of 30 (thirty) days after the occurrence of the insured event.

Money Back Guarantee

If the policyholder dies due to non-accidental causes in the first 6 (six) months, a benefit equal to the amount of the monthly premiums received will be paid.

Lion Life Assist Benefit – 0861 24 LION (5466)

The Lion Life Assist Helpline aims to provide its clients with the best value added benefits for emergency, funeral, legal, health and trauma services which reduce the impact of any dire occurrence that life may present.

As a Lion of Africa Life Assurance Company Ltd policyholder, you have 24/7 access to these excellent benefits.  We encourage you to use these benefits and experience what positive difference it can make in your life.

When phoning the helpline, you will be required to quote your Lion of Africa Life Assurance Company Ltd policy number, or alternatively your personal details to verify your membership.

What it offers you:

• Personal Health Advisor
• Emergency Medical Services
• HIV/AIDS advice and counselling
• Legal Assist
• Funeral Assist and Repatriation of mortal remains
• Telephonic Trauma Counselling
• Tax and Financial Assist
• Point-to-Point Transportation
• Teacher on Line

The Personal Health Advisor

This round the clock service assist with:

• Assessing your symptoms and referring you to the correct level of health care- whether the problem is a nagging cough or severe burn.
• Providing you with important health knowledge on any aspect of health (you may have been advised to undergo some type of surgery or you just need more information on a condition such as lice or mumps)
• Providing expert counselling on any chronic ailment or disease and helps you to manage your condition or that of a loved one e.g. drug addiction or cancer
• Providing expert information on medicines, their purpose and side effects
• Providing access to drug information database
• Providing general medical information such as dietary assistance, inoculations or baby immunizations

Emergency Medical Services

This 24 hour medical emergency assistance helpline has trained paramedics who assist in the event of a medical emergency, within the borders of South Africa. A medical emergency is a life threatening situation such as a heart attack, bomb blast, snakebite, car accident gunshot wound

In an emergency event the following assistance will be provided:

• The dispatch of an ambulance
• Emergency telephonic medical information where necessary, inter-hospital transfers can be arranged
• Emergency message transmission
• Arrangements for compassionate visit by a family member
• Arrangements for the escorted return of minors after an accident
• Repatriation of mortal remains to an appropriate facility in the normal area of residence after an accident

HIV/ Aids advice and counselling

In the event of trauma such as rape, members have access to a 24 hour counselling facility, HIV/Aids testing and ARV treatment:

• Access to the Lion-assist database of specialized practitioners, including medical and psychological referrals
• Follow up call to ensure treatment is being correctly an effectively administered
• Telephonic counselling

If the anti-retroviral treatment is not available within 72 hours of the incident, EA Touch will deliver the treatment within 72-hours

Benefits include:

• 3 Day starter pack
• 28 day course of appropriate anti-retroviral treatment
• The “morning after pill”
• Prophylactic STD treatment
• Medical consultations
• Pathology tests
• 24 hour telephonic assistance
• Access to the EA Touch Disease Management’s HIV/AIDS

Legal Assist

This helpline operates during office hours only and offers qualified and experienced Attorney’s, providing guidance and advice on legal matters such as:

• General legal advice is offered on criminal offences, fines debt, contracts, divorce, maintenance and other related legal advice. Labour law specialists are also available to give advice on the Labour Relations Act, Basic Conditions of Employment Act and other labour related matters.
• Attorneys are available to help at the scene of an accident as well as dealing with legal matters thereafter. All legal matters and claims that follow a collision are handled. These include vehicle damages, repairs, injuries and third party claims, as well as litigation and prosecutions that may follow.
• In-house attorneys have access to a national referral panel of practicing attorneys if the client needs to appear in court.
• Free 30 minute consultation per case.

Funeral Assist and Repatriation of Mortal Remains

Specially trained case managers are able to manage all aspects of death, from bereavement counselling for the family, to assistance with funeral arrangements. Funeral support includes:

• Identifying the exact location of the deceased,
• Arranging and facilitating overnight accommodation for the next-of-kin when having to identify the body outside the normal area of residence.
• Payment and arrangement for the repatriation of the mortal remains to a place of burial within South Africa at no cost to the member
• Advise and refer the bereaved family to a reputable undertaker
• Advice on funeral documentation e.g. death certificate, interpreting funeral policy, etc.

Telephonic Trauma Counselling

Should the client need assistance following a traumatic experience such as a death in the family, hijacking or serious illness, guidance and counselling will be provided 24-hours a day from experienced and caring counsellors.

The product comprises of the following:

·    Telephonic Trauma Counselling

• Telephonic trauma debriefing, 24-hours a day by qualified nurses. If necessary, the caller may be referred to the next level of counselling,

·    Face to Face Trauma Counselling

• If the nurse’s assessment indicates that the client needs professional assistance, a face to face counselling session will be arranged. The caller will be referred to a network of social workers/ psychologists in their specified area for face to face counselling sessions. The cost of these sessions is paid by the patient.

Tax and Financial Assist

We take the stress and jargon out of personal tax and finances.   This help line offers guidance and information on taxation and finance related matters to enable you to make informed decisions about your financial status. The line operates during normal working hours and qualified and experienced experts respond to queries.

Benefits to the member

You simply log your request for assistance with the Europ Assistance SA call centre agent and an expert tax or financial consultant will call you back at no cost to you.  Access to the service is unlimited and available during normal office hours.

We provide efficient and accurate tax advice on any issue related to:

• The completion of income tax returns
• The calculation of taxes payable o Allowable deductions
• Estate tax
• Retirement benefits and planning
• Administrative issues and new tax amendments
• General banking advice i.e. how to read a bank statement, how debit orders work, etc.

Financial planning advice includes 

• General banking advice i.e. how to read a bank statement, debit orders work, etc.
• Budget planning for all stages of life.

These stages could include the following or a combination thereof:

• Debt assessments and referrals for debt counselling or administration;
• Post retrenchment financial planning and advice;
• Advice on estate planning;
• Assistance with drafting a will;
• Advice on how to apply for a death certificate, and where applicable, the necessary documentation if the deceased is to be buried outside South Africa;
• Assistance with interpretation of any legal documentation such as a funeral policy and the procedure to be followed.

Benefits to client

Low-cost, no-risk, value added benefit for your members or employees.

Financially educated members are in control of their finances more likely meet their financial obligations – decrease in cancelled policies due to unpaid premiums

Terms and conditions

The service is only available to validated members via the Europ Assistance SA call centre.

Any assistance other than telephonic tax and financial advice will be for the members account

Point-to-Point Transportation

Our point to point service can facilitate transportation for direct family members to the funeral location and is limited to two incidents per annum.

Benefits to member

The service is available to members where the total trip from pick-up or drop off point does not exceed a 50km and is available within any of the following metropolitan areas: Johannesburg, Pretoria,   Cape Town and Durban, Port Elizabeth, East London, Bloemfontein, Kimberly, Kathu, Upington.

Designated drivers are equipped with a cellular phone and have access to GPS.

If the member exceeds the total number of covered incidents for the period, the member can still make use of the service but the booking will be facilitated through the designated provider.  The contact centre will assign the nearest available registered driver.  Our contact centre maintains regular contact the driver to check in on delivery of the service.

Booking procedures

Members can make use of our service by calling our contact centre. To ensure timeous arrival, bookings should be made at least 60 – 90 minutes in advance but early booking is encouraged.  In an event of an emergency the contact centre could be contacted for a booking, subject to the availability of drivers.  The contact centre will alert the client of the estimated waiting time should a driver not be available.

Additional passengers

The service is available to the member and up to a maximum of two passengers may be collected from a single pick-up point and transported to a single drop-off point. The service will not allow for various drop-off points, drop-off is a single destination determined by the member at the time of logging the call.

Cancellation

Any bookings cancelled less than 60 minutes before the proposed collection time, will be billed at the full rate and deducted from the member’s total covered incidents.

Teacher on Line

Teacher-On-Line provides telephonic academic assistance that allows learners to interact with a qualified teacher on a variety of subjects. In addition to our current telephonic assistance we now offer the following:

Benefits

• CAPS aligned curriculum preloaded on the interactive teacher platform.
• We provide assistance to students, grade 4-12,
• The curriculum we work from is CAPS aligned and relevant to both public and private schools, in all major subjects.
• Teachers have access to fully animated lectures (Video clips teaching you concepts with detailed diagrams and animations. These videos make it easy for students to visually follow and understand their study material.)
• Interactive tests that get marked automatically (Instantly marked questions that reinforce your understanding. After watching the animated lectures, learners complete the quiz to test their knowledge.)
• Summaries (Fast, easy access to the key areas of a topic. Comprehensive notes, graphs and illustrations that can be printed or saved to the student’s device for future use.)
• The service is available in English and Afrikaans
• Students have access to the teachers, Monday to Thursday between 18:00 and 21:00 (during school terms).

These improved features allow teachers to interactively communicate with the student through the virtual classroom. This also allows the teacher to view the student’s work and guide them through their question.  The software will build an individual student profile which creates a history and context of the problem areas the student experiences. Proven to improve students’ understanding of the work and boost their marks

• It makes studying fun which helps students remember the work better and help them learn from their mistakes
• Replaces the need for expensive extra lessons

Important notes:

The benefits are available in South Africa as long as the life insured lives, works or travels in South Africa. Telephonic medical assistance, telephonic trauma counselling and transport of the deceased are available in Lesotho, Swaziland, Namibia, Zimbabwe, Botswana and Mozambique, below the 22 degree parallel line, if the life insured is in these countries.

Some of the benefits are provided only on the death of the life insured, and become available when the claim for the funeral death benefit is approved.

Lion Life Assist benefits will not be paid where the life assured dies of natural causes or commits suicide within 6 (six) months after the benefit for that life assured began. The services are provided by outside service-providers, and every service is available as a benefit under your policy as long as it is provided by them. You consent that we give to these service providers so much of the information provided to us for the purposes of this policy as is necessary and sufficient for them to provide for these services.

Double Accidental Death Benefit

This benefit is automatically included on both the Comprehensive Plan and the Premier Plan.  If a life assured dies due to accidental causes, double the cover amount will be paid for a valid claim.  The double accident cover applies to all covered lives except for stillborn children.  This benefit will also apply when your Premier Plan is in a paid-up status.

The maximum Benefit Amounts payable for children will apply (please refer to Claims section).

Cashback Benefit

This benefit is automatically included on both the Comprehensive Plan and the Premier Plan.  We will pay a Cashback Benefit to the policyholder equal to 2 (two) times for Comprehensive Plan members and 6 (six) times for Premier Plan members of your latest premium after every 36 (thirty six) premiums that we receive.

Grocery and Education Benefits

• This is an optional benefit on the Comprehensive Plan and the Premier Plan
• Available on the Single Parent and Family categories
• The life assured can be the policyholder or the spouse
• Grocery Benefit:            R12 000 (twelve thousand Rand) benefit amount which increases annually.

The benefit amount will be divided by 12 (twelve) and paid in 12 (twelve) equal payments, 1 (one) payment per month, over a 12 (twelve) month period to the nominated recipient.

• Education Benefit:      R12 000 (twelve thousand Rand) benefit amount which increases annually.

The benefit amount will be divided by 12 (twelve) and paid in 12 (twelve) equal payments, 1 (one) payment per month, over a 12 (twelve) month period to the nominated recipient.

Retirement Paid-Up Benefit

When the policyholder turns 65, premiums will be waived by Lion of Africa Life Assurance Company Ltd.  No further annual benefit increases will apply and no policy changes can be made to your funeral plan after it has become paid-up.

This benefit does not apply to lives assured under Extended Family.

Survival Benefit (Cashback)

The Survival Benefit (Cashback) is an optional add-on benefit on the Premier Plan.

This benefit pays back the premiums of selected family categories, which excludes the Survival Benefit (Cashback) premiums and increases in this premium, as calculated at Commencement Date, after every 10 (ten) claim free years.

If the Survival Benefit (Cashback) is selected on Extended Family, it will automatically apply to all lives assured on the Extended Family category.  If multiple lives assured are covered on Extended Family, the death of one life assured will not influence the Survival Benefit (Cashback) benefit amount of another life assured.

If the Survival Benefit (Cashback) is selected on multiple family categories, the Survival Benefit (Cashback) is not influenced by a claim on an alternative family category.

If multiple lives assured are covered on Extended Family and one life assured dies, the Survival Benefit (Cashback) premium will reduce accordingly.

No partial benefit is payable on lapse, cancellation or death within each 10 (ten) year period.

Waiting periods are calculated from Acceptance Date or Re-instatement Date (if applicable).

Accidental Death

No waiting period will apply and the lives assured will have immediate cover.

Death due to Natural Causes

Immediate Family

–  6 months for all lives assured

Extended Family

–  6 months for lives assured up to age 65

–  9 months for lives assured over age 65

Suicide                                                                                                                        

24 months

 A new born child must be nominated in writing within 6 (six) months of the date of birth.  If not nominated within 6 (six) months from birth, a 6 (six) month waiting period will apply for death due to natural causes.  When a new life assured is added to the policy all waiting periods applicable to a new policy, will also apply to the new life assured.

If you increase a benefit, all waiting periods will apply to the amount by which the benefit is increased.

After an event giving rise to a claim, Lion of Africa Life Assurance Company Ltd must receive all necessary documentation for a claim within 6 (six) months after the event.

If the policyholder is still alive at claim stage, the benefits will be paid to the policyholder.  After the death of the policyholder, the benefits will be paid to the nominated beneficiaries.

The maximum Benefit Amounts payable for children are as follows:

• Age 1 day to 5 years: R10 000 (ten thousand Rand)
• Age 6 years to 13 years: R30 000 (thirty thousand Rand)

If your premiums are not paid in full but your policy is still active, any unpaid premiums will be deducted from the benefits payable.

If any claim under this policy involves fraud, misrepresentation or false information, the policy will be cancelled.  In this case no benefits will be paid and no premiums will be refunded.

The following exclusions are not covered under this policy

• Insanity
• Participation in any riot, strike, commotion or rebellion
• War, riot, civil commotion or terrorist activity
• Wilful exposure to danger
• Involvement in a criminal activity
• Radioactivity or a nuclear explosion
• Use of a drug, other than prescribed by a registered medical practitioner
• Use of alcohol above the legal limit in force at that time
• Attempted suicide or injuries self-inflicted wilfully or through gross negligence

Information on unpaid or unclaimed benefits

It is the responsibility of the policyholder as owner of the policy to make sure that Lion of Africa Life Assurance Company Ltd has up-to-date contact information of all the relevant role players under this policy. Lion of Africa Life Assurance Company Ltd will always try to contact the policyholder or the beneficiaries at the last address provided to us.

Premiums are paid monthly

The premiums of your policy are payable monthly, before the end of every month.  A premium received in a particular month provides cover for that month.

Should a life assured on the policy die and it results in a change of the family category, the premium will be reduced accordingly.

Premiums can be reviewed

It could happen that your premiums need to be reviewed so that your policy continues to comply with insurance legislation.  This could result in an increase or decrease of your premiums, as well as your benefits.

If this happens, we will inform you at least 30 (thirty) days before the change takes place.  In the event of an increase of premiums, you would usually have the option to lower your benefits so that you could keep your cover.

Annual Increase of Benefits and Premiums

Every year on policy anniversary the benefits will increase by 4% (four percent) and your premiums by 7% (seven percent).  These increases will also apply to optional add-on benefits selected by the policyholder.

Complaints procedure

If you are not satisfied with this policy or the service of the Administrator, you can write to the Lion of Africa compliance officer at the head office address given above. Remember to include all supporting documents. The compliance officer will acknowledge the complaint in writing and provide you with the contact details of the person that is most likely to resolve it.

If you are not satisfied with the outcome of the complaint you may contact the Ombud (whose details appear below).

About us

Lion of Africa is a product supplier. Lion of Africa does not render financial services on behalf of other financial services providers. We do not receive any cash or non-cash remuneration from third parties for the products we produce and sell to our clients (no conflict of interest exists).

Insurer Details

Lion of Africa Life Assurance Company Ltd is registered with the Financial Services Board in terms of the Long-Term Insurance Act (52 of 1998).

Contact Information

Should you need any assistance, or wish to claim a policy benefit, you may visit any of our offices countrywide. A branch locator and other information can be found on www.lionlife.co.za

Standard Plan Rate Table

Comprehensive Plan Rate Table 

Premier Plan Rate Table

Premier Plan | Survival Benefit Rate Table